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My name is Raymund Camat and I am the blogger of MoneyTalkPH.com. My mission is to spread financial education to Filipinos worldwide to achieve the ultimate goal of Financial Freedom. If this is your first time visiting my blog, I recommend you explore all the articles I wrote here.

I am affiliated with Sun Life of Canada, the oldest life insurance company in the Philippines and currently the number 1 life insurance company in the Philippines. Our company has a wide range of life insurance and investment products including the following:

  • Sun Maxilink Prime – a life insurance plan with investment component that could be used to finance future needs like education and retirement. With the option to include accidental death benefit, disablement benefit, dismemberment benefit, and hospital income benefit. This plan is payable for at least 10 years.
  • Sun Flexilink – a life insurance plan with investment that could be used for retirement. With the option to include accidental death benefit, disablement benefit, dismemberment benefit, critical illness benefit, female critical illness benefit and hospital income benefit.
  • Sun Maxilink Bright – a life insurance plan with investment that could be used to finance future expenses in education or retirement. This plan is payable in 5 years with the option to add accidental death and total disability benefit.
  • Sun Maxilink Prime for College – a life insurance plan with investment that could be used to pay future expenses in education or retirement. This plan is payable in 10 years with the option to add accidental death, dismemberment, and disablement benefits.
  • Sun Maxilink One – a wise alternative for mutual fund, UITF and direct stock investing. One time big time investment that provides better return than traditional bank products
  • Sun Life Term Insurance Plans – affordable pure life insurance plans for Filipinos with limited budget but want to get life insurance policy to protect the future of their families
  • Sun Life Assure – a term life insurance plan that provides lump sum amount upon diagnosis of any of the 36 illnesses covered including cancer, organ transplant, paralysis, blindness and others.
  • Sun Fit and Well – a whole life insurance plan that covers up to 100 minor and major critical illnesses with cash benefits, dividends, paid up bonuses, hospitalization income, home recovery benefits and more.
  • Sun Start Up – affordable life insurance that provides lump sum amount to your family when you die and return 50% of your total paid premium after 10 years.
Make your money work harder for you! Invest on our award-winning mutual funds: the Sun Life Prosperity Funds. Learn how to open an account here.

Non-life Insurance Products

Get fire insurance for your home, condominium, apartment, building, warehouse, plant and other properties. With optional coverage for flood, earthquake, malicious damage, theft, riot, etc. Get a quotation today, click here.

Insurance is Real : Sun Life Do Pay Claims!

Insurance

INSURANCE IS REAL. TRUE TO LIFE.

(Credit to Paul Jenser Banayo, my classmate in our Certified Wealth Planner class and Unit Manager of a Sun Life new business office. Originally posted in Facebook last June 8, 2017)

One of my advisors, Marie Genevive Diaz, has a client whom we pushed so hard to secure a policy from us. He finally gave in sometime in Sep 2016, settled his 9,000.00 quarterly premium upon application and had his application approved on 07 Oct 2016.

On 30 Jan 2017, a little bit over 3 months from his policy approval date, Gen received a call from her Laguna-based client who was in a hospital in Davao during that time. He was suffering from chest pain for few days already and the doctors advised ICU and hospital confinement. He stayed there for 6 days and was diagnosed to have Myocardial Infarction. He experienced Mild Heart Attack. Upon learning this, she immediately checked all claim requirements and as soon as the client was discharged, collected all necessary documents and filed them.

In the middle of his claim investigation, next settlement schedule came in. He settled 2 more months of his premium and did not bother to continue his policy in spite of our relentless reminders using all media. He failed to see the beauty of what he was about to lose, of what we were fighting for. After sometime, as if he bumped his head, he responded to one of Gen’s earlier messages but it was too late already – the policy lapsed. His policy could not be reinstated due to his condition. We were super worried because of the effect this may have on the on-going claim investigation.

26 May 2017, Gen received an sms and email from Claims Department informing her that the claims were approved. With lapsed policy and what the client settled for 15,000.00, he got two cheques – 1M for Critical Illness Benefit and 12K for Hospital Income Benefit.

Imagine life without insurance. Picture out our client’s life if he was not able to claim and suffered more serious heart attack, let alone failed to heed Gen’s call to insure himself. How will he settle the bill? And if he could not work anymore after the illness, how’s life going to be like?

We fought tooth and nail to financially protect our client against life risks – critical illness, disability, old age and death. We did the same thing reminding him to keep his policy in-force. We did more by making sure he would get something out of his policy and we delivered. WE DELIVERED.

We are a proud Licensed Financial Advisor and even prouder to be a Sun Lifer. We come bearing financial protection for you and your loved ones – the reason you wake in the morning, go to work and earn a living. IF YOU TRULY LOVE THEM, WHY NOT PROTECT THEM?

 

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